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Privacy Protection and Data Breach Coverage from Insurance Program Managers Group (IPMG) IPMG provides access to specialist markets for Privacy Protection and Data Breach insurance tailored for a wide range of commercial risks. This program is designed for agents who need flexible cyber and privacy solutions — from small professional firms to mid-sized retailers and service providers — backed by carriers experienced in handling breach response, liability, and cyber business interruption. Ideal Accounts and Appetite This program is a strong fit for agents placing accounts in the following classes: Professional services: lawyers, accountants, independent insurance agents, consultants and other firms that handle client information. Retail merchants and e-commerce businesses that accept payment cards or store customer records. Education organizations: private schools, tutoring centers, and training providers. Financial services firms and advisers with sensitive client data. Hospitality, restaurants and food service operations with POS systems and guest records. Health and medical practitioners and ancillary healthcare services. IPMG can consider many other classes — if you have an account with customer data, payment processing, or third-party hosted systems exposure, it may be eligible. Coverage Highlights and Advantages Privacy Protection and Data Breach Cost coverage to respond to regulatory inquiries, notification, credit monitoring and forensics. Multimedia liability to address content- and media-related exposures. Cyber Business Interruption and Hacker Damage for income loss and system repair after an attack. Cyber Extortion and crisis-management response for ransom events and negotiation costs. Policy limits available up to $10,000,000, with flexible limit structures to match client needs. Underwriting Notes and Minimum Premiums Typical submission requirements will include a description of operations, revenue, prior incidents, and information security practices (e.g., firewalls, backups, MFA where used). The program can underwrite first-time buyers as well as renewal placements; appetite and pricing will reflect sector, revenue, and controls in place. Minimum premium: $625. Higher limits, complex accounts, or accounts with material prior incidents may require additional underwriting detail and higher premiums. Territories and Availability This program is available in the following states: FL, GA, IL, IN, IA, MO. Availability may vary by carrier and risk characteristics, so please submit details early for confirmation. Why Work With IPMG on Privacy & Breach Risks Market access: IPMG places these risks with carriers that specialize in privacy and cyber exposures. Flexibility: options for standalone cyber/privacy coverage or packaged solutions to address multimedia, extortion and business interruption. Responsiveness: tailored submissions and underwriting guidance to help you place accounts that might otherwise be hard to bind. Example Account Scenarios A regional dental practice that stores patient records electronically and wants breach response, regulatory defense, and business interruption coverage. An independent CPA firm that handles tax returns for hundreds of clients and requires privacy liability and cyber extortion protection. Contact IPMG for a quote and to discuss the best market placement for your client’s exposure. Provide revenue, a summary of data handled, security controls, and any prior cyber incidents to expedite review. Frequently Asked Questions What types of accounts are a good fit for IPMG’s Privacy Protection and Data Breach program?Accounts that handle customer or client data, payment information, or proprietary business information — especially small to mid-size professional services firms, retailers, restaurants, education providers, and healthcare practitioners — are a good fit. IPMG can also consider other industries with similar exposures. What coverage components can I expect to place through this program?The program can provide privacy protection, data breach response costs, multimedia liability, cyber business interruption, hacker damage, and cyber extortion. Limits are available up to $10M depending on the carrier and risk. What are the typical underwriting requirements?Underwriters typically ask for a description of operations, annual revenue, details on the types of data stored or processed, security controls (e.g., backups, firewalls, MFA), and history of prior incidents. More complex risks may require additional documentation. Are there state restrictions or minimum premiums?The program is available in FL, GA, IL, IN, IA and MO. The stated minimum premium is $625; actual premium depends on class, revenue, limits, and underwriting factors. Need help placing an account? Connect with a market specialist.

For over 15 years, Insurance Program Managers Group (IPMG) has been a trusted wholesale brokerage partner for agents and brokers seeking reliable Workers Compensation Insurance markets. With deep expertise across a broad range of industries and access to multiple A-rated carriers, IPMG delivers competitive solutions tailored to your clients' unique risk profiles. Ideal Accounts and Target Industries IPMG has the underwriting experience and market access to handle a wide variety of Workers Compensation classes. Our appetite includes, but is not limited to: Contractors and construction-related businesses Healthcare providers and facilities Manufacturing operations Auto dealerships and service centers Trucking and transportation firms We can also consider accounts with high experience modification factors or complex loss histories. Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses. IPMG can help you explore competitive options across multiple carriers to place that account with confidence. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted as available) Premiums starting as low as $500, scaling to $1M+ Same-day quoting available on many classes with complete submissions Wide variety of eligible class codes Markets for high mods and challenging risks Monthly reporting capabilities Competitive commissions for agents Additional risk management services available to support your clients Submission Requirements To receive a fast and accurate quote, please provide: Completed Accord application with description of operations 3–5 years of currently valued loss runs Current experience modification rating (if applicable) Territories and Availability IPMG offers Workers Compensation Insurance solutions in most states, including but not limited to: CA, TX, FL, NY, IL, and AZ. We are actively writing business in over 45 states and Washington, DC. Carrier availability and program structure may vary by state. Why Partner With IPMG? At IPMG, we understand that your clients rely on you for timely, competitive, and knowledgeable service. Our team delivers fast turnaround, flexible underwriting, and strong market relationships to help you win and retain Workers Compensation accounts. With over a decade of proven performance in this space, IPMG is your go-to partner for Workers Comp solutions that work. Frequently Asked Questions What types of accounts are a good fit for IPMG's Workers Compensation program?We can write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider high-mod or loss-challenged risks. What is the minimum premium for this program?Premiums start at $500 and scale based on class and exposure. We work with accounts ranging from small businesses to large operations. How quickly can I get a quote?Same-day quotes are available for many classes with complete submissions, including an Accord app, loss runs, and experience mod (if applicable). Which states are eligible for this program?Our Workers Compensation program is available in most US states, including CA, TX, FL, NY, and over 40 others. Availability and carrier options may vary by state. Does IPMG offer risk management support?Yes, additional risk management services are available to help your clients improve workplace safety and control costs. Need help placing an account? Connect with a market specialist.

ICRMT Insurance Program from IPMG For more than 30 years, the Illinois Counties Risk Management Trust (ICRMT) has provided tailored insurance and risk-management solutions for public entities across Illinois. Administered by Insurance Program Managers Group (IPMG) since 1997, the ICRMT Insurance Program now serves more than 290 public entities, including nearly half of Illinois’ counties. This program is offered exclusively through independent agents and is designed to be a reliable market for public-sector clients. Coverage is available in Illinois with a program minimum premium of $10,000. Ideal Accounts and Target Classes IPMG’s ICRMT program focuses on public and quasi-public organizations. Key target classes include: County jails and correctional facilities County health departments County nursing homes Municipalities (including water, sewer, and utility operations) Townships Public school districts Special districts The program accommodates a wide range of public-sector needs — from specialized liability for law enforcement to combined property and casualty placements for municipal operations. Coverage Highlights and Program Advantages ICRMT bundles essential lines of coverage into a single program tailored for public entities. Notable coverages and services include: Property and casualty General liability Law enforcement liability Public officials liability Workers’ compensation Auto liability and physical damage Cyber liability and other ancillary coverages Beyond insurance forms, the program includes practical risk-control and claims tools that benefit insureds and ease administration for agents: Access to the Public Agency Training Council (PATC) for law-enforcement training, policy-management resources, and onsite consultation IPMG’s In-Sight claims system for real-time claim tracking, reporting, and direct communication with adjusters, nurse case managers, and risk managers Underwriting Notes and Minimum Premium The ICRMT program underwrites public entities in Illinois and evaluates risks based on exposure, operations, and loss history. The program requires a minimum premium of $10,000 and is available only through independent insurance agents. Typical underwriting considerations include facility type, staffing and training practices, safety protocols, and prior claims experience. Program Availability This program is currently available in Illinois. Admitted coverages may be available in some lines depending on the specific risk profile and coverage requested. Why Place Public-Entity Business With IPMG IPMG brings deep public-sector experience, a stable long-term market relationship with ICRMT, and program-level services that help reduce loss frequency and severity. Agents placing business with IPMG benefit from responsive underwriting, integrated claims tools, and training resources that add value for public-entity clients. The ICRMT program is a good option when your client needs comprehensive, coordinated coverage for public operations and prefers a program tailored to the unique exposures of government entities. Example Accounts That Fit A mid-sized county seeking consolidated property, liability, law enforcement, and workers’ comp coverage for its public-safety and health departments. A township operating municipal water and sewer utilities that needs combined liability and auto physical damage coverage with access to training resources. To place business, submit risks through your broker channel—IPMG works exclusively with independent agents to evaluate and bind accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Public entities in Illinois such as counties, municipalities, townships, public schools, and special districts are ideal candidates. Is this program only available in Illinois?Yes, the ICRMT Insurance Program is currently offered exclusively in Illinois. What is the minimum premium for submissions?The minimum premium for this program is $10,000. Can I submit business directly to IPMG?No, the ICRMT program is available exclusively through independent insurance agents. What services are included along with insurance coverage?In addition to comprehensive coverage, IPMG offers access to law enforcement training via PATC and claims management tools through its In-Sight system. Need help placing an account? Connect with a market specialist.

Overview — Commercial Property Insurance from Insurance Program Managers Group (IPMG) IPMG offers admitted and non-admitted Commercial Property Insurance solutions designed for a wide range of commercial owners and occupancies. As a Managing General Agency and Excess & Surplus Lines broker, IPMG places accounts with multiple markets (carriers vary) to secure the right terms and coverages for your clients’ property exposures. Lines of Business IPMG can place the following property lines: Buildings Contractors equipment Vacant buildings — commercial and residential Personal property Builders risk Motor truck cargo DIC — Florida wind Inland marine Targeted Industries and Ideal Accounts This program is tailored for agents handling middle-market commercial risks where flexible property solutions are required. Target classes include: Manufacturers Wholesale distributors Health care facilities Hotels and motels Bars, taverns and nightclubs Restaurants Mercantile operations Receivers / Chapter 11 situations Contractors Example accounts that often fit well: a mid-sized wholesale distributor needing inland marine and building coverage, or a contractor group requiring contractors equipment plus builders risk for short-term projects. Coverage Highlights and Advantages Admitted and E&S placement options to match client tolerance for coverage form and state requirements. Flexible solutions for vacant properties and receivership/chapter 11 exposures. Specific appetite for Florida risks including DIC wind placements where appropriate. Inland marine and motor truck cargo available for business operations with transportation or equipment exposures. Access to multiple markets — carriers vary by submission, allowing tailored quoting. Underwriting Notes and Minimums Typical fit: accounts with clear risk controls, up-to-date valuations, and straightforward loss history. Not every class will be available in all states or with admitted paper — IPMG evaluates each account and selects the best market. Minimum premium: $1,000. Higher limits, complex accounts (large vacant portfolios, catastrophic coastal exposures, or accounts with significant prior losses) may require additional underwriting information, valuations, photos, and/or risk mitigation details. Appetite and Common Restrictions Generally acceptable: Single-location and multi-location businesses within the targeted industries above Short-duration builders risk projects and contractors equipment schedules Properties in receivership or under chapter 11 with documented asset schedules Typically restricted or needs prior discussion: Properties with extensive, unresolved prior losses or unrepaired major damage High-hazard manufacturing operations without loss control documentation Extreme coastal exposures requiring specialized coastal capacity beyond available DIC options Territories and Availability Availability: Most Available States (admitted and non-admitted placements). Primary states currently served include: FL, IL, IN, IA, MI, MO, WI. Submission requirements and admitted availability vary by state and by carrier. Why Work With IPMG on Commercial Property? Program expertise across property, builders risk, inland marine and cargo lines. Ability to place admitted or E&S coverage depending on client need and regulator preference. Flexible approach to vacant property, DIC wind for Florida, and chapter 11/receivership accounts. Experienced underwriting and placement with multiple markets to help achieve terms and limits for middle-market commercial clients. Frequently Asked Questions What types of accounts are a good fit for IPMG’s Commercial Property program?Middle-market commercial risks in the targeted industries (manufacturing, wholesale, hospitality, restaurants, contractors, mercantile, health care) and accounts that need builders risk, contractors equipment, inland marine or vacant property coverage. Receivership and chapter 11 situations are also within appetite with proper documentation. Does IPMG write admitted paper or only non-admitted?IPMG places both admitted and non-admitted (E&S) coverage depending on the state, carrier appetite, and the account’s needs. The program operates across most available states and will recommend admitted or non-admitted placement on a case-by-case basis. What are the minimum premium and common submission requirements?The program minimum premium is $1,000. Typical submissions should include location schedules, values (building and contents), loss history, and any risk control measures; additional documentation (photos, appraisals, or contractors schedules) may be requested for complex accounts. Are Florida wind and DIC placements available?Yes — IPMG has DIC options for Florida wind exposures as part of its property placement capabilities. Availability depends on the specific risk and market capacity at time of submission. Need help placing an account? Connect with a market specialist.

Comprehensive Market Access with Insurance Program Managers Group (IPMG) The IPMG Brokerage Service Team understands the demands agents and brokers face in today’s competitive insurance landscape. Whether you're a large agency or a smaller shop, Insurance Program Managers Group (IPMG) provides access to over 30 top-rated admitted and surplus lines markets. Our robust portfolio allows you to place both large and small accounts across a broad range of coverages including property, general liability, workers' compensation, earthquake, excess property, and umbrella. Ideal Accounts and Appetite IPMG has built a reputation for handling hard-to-place and specialty accounts. We are an excellent resource for agents looking to write: Property accounts with CAT exposures, including earthquake and wind Small to mid-sized businesses needing workers' compensation coverage Liability and umbrella coverage for contractors, manufacturers, and service industries Transportation risks and special events Professional liability for niche industries Whether your client is a startup or an established business with complex risks, our team is ready to help you find the right market fit. If you have a small account that’s been declined by standard markets or a high-hazard property exposure, IPMG can often provide solutions where others cannot. Coverage Highlights and Advantages With access to both admitted and non-admitted carriers, IPMG offers flexibility and depth in coverage solutions. Our carrier partners include industry leaders such as Travelers, Chubb, CNA, ACE, Lloyds, and Hiscox, among others. Coverage options include: General and professional liability Property and excess property Workers' compensation Umbrella and excess liability Auto (including commercial auto) Earthquake and catastrophe coverage In addition to placement, IPMG offers value-added services like loss control consulting and claims management through our TPA services—helping your insureds minimize risk and manage claims efficiently. Underwriting and Submission Support We pride ourselves on responsive, knowledgeable service. Our experienced team will review your submissions promptly, often providing same-day quotes for qualified risks. We work closely with agents to ensure risk-specific underwriting and tailored carrier placement. There is no stated minimum premium, allowing flexibility for small and emerging businesses. Territories and Licensing IPMG’s brokerage services are available in nearly all states, including but not limited to CA, TX, FL, IL, NY, PA, and WA. We are licensed in 50 states and the District of Columbia, giving you broad geographic reach for your clients' needs. Why Partner With IPMG? For over 15 years, IPMG has been a trusted partner for agents and brokers seeking fast, flexible solutions for standard and non-standard risks. Our deep market access, responsive service, and ability to write difficult or unique accounts make us a powerful resource for your brokerage. When you work with IPMG, you're backed by a team of professionals who understand your challenges and are committed to helping you succeed. For more information about Insurance Program Managers Group (IPMG) and how we can support your business, contact us today! Frequently Asked Questions What types of accounts are a good fit for IPMG's brokerage services?We specialize in hard-to-place risks, small to mid-size businesses, and accounts requiring non-admitted markets. Ideal accounts include property with CAT exposure, liability-heavy operations, and niche industries needing professional liability. Can IPMG help with small accounts or startups?Yes. We routinely work with agents to place small or new accounts that may not qualify for standard markets. There is no minimum premium requirement, making us a flexible option for a wide range of clients. What markets does IPMG have access to?We have relationships with over 30 leading admitted and non-admitted carriers, including Travelers, Chubb, CNA, ACE, Lloyds, Hiscox, and more. Is IPMG available in all states?Yes, our brokerage services are available in all 50 states and Washington, D.C. How quickly can I expect a quote?For qualified submissions, we often provide same-day quotes. Our team is committed to fast, reliable turnaround times. Need help placing an account? Connect with a market specialist.